Andrew Kissinger is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory in Phoenix, AZ. He has been with Schwab Wealth Advisory since 2020 and has worked at Charles Schwab & Co., Inc. since 2017. Prior to that, he spent three years at Carvana. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools, with final trading decisions made by clients.

Raymond Round is a CFP® with 33 years of industry experience, currently serving at D.A. Davidson & Co. since 1995. He is based in Scottsdale, AZ. Outside of his advisory role, he is president of The Loyola Sideliners, a nonprofit organization in Missoula, MT. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individuals, charitable organizations, and corporate clients. The firm offers a range of services from retirement plan advisory to comprehensive financial planning and operates under the Advisers Act fiduciary standard.

John Escamilla is a CFP® with one year of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at Merrill and Bank of America. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to recommend investments, with final trading decisions made by clients, and conducts at least annual account reviews.

Jamie Moultane is a financial advisor at Empower Advisory Group with 17 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Merrill for 15 years before joining Empower in 2025. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated model ties financial planning and managed account solutions to Empower’s recordkeeping and administrative platforms.

Samuel Udall is an investment advisor with Kestra Advisory Services, LLC, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked with Commonwealth Financial Network and owns Udall Financial, LLC. Outside of his advisory role, he is involved in managing insurance business activities alongside a family member. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a wide range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, and due diligence-supported investment advice, serving clients such as large institutional investors and sovereign wealth funds.

Susan Bishara is a Series 66-licensed financial advisor with Schwab Wealth Advisory in Phoenix, Arizona. She has 16 years of industry experience, including roles at HSBC Bank USA and HSBC Securities prior to joining Schwab in 2020. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm delivers personalized investment recommendations and financial planning using Schwab’s asset allocation models and research tools, conducting annual reviews without discretionary trading authority.

Tanner Grech is a CFP® with seven years of industry experience, currently affiliated with Schwab Wealth Advisory. He has worked at Charles Schwab since 2018 and held roles at Metro Inspections, LLC and Northwest Trustee Services earlier in his career. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, focusing on annual financial reviews, retirement planning, and investment recommendations guided by Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority and serving primarily individual clients rather than institutional investors.

Darin Hood is a financial advisor with Principal Financial Services in Phoenix, AZ, holding a Series 66 designation and eight years of industry experience. Prior to joining Principal Securities Inc and Principal Life Insurance Company in 2018, he worked at Dignity Health and the City of Phoenix. Outside of his advisory role, he is an instructor for Arizona Defensive Firearms Training, a business focused on firearm education run by current and former law enforcement. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Nathan Hesman is a financial advisor with Schwab Wealth Advisory based in Phoenix, AZ. He holds Series 63 and Series 66 credentials and has 15 years of industry experience. Prior to joining Schwab Wealth Advisory in 2024, he worked at Charles Schwab Bank from 2012 to 2023. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with clients retaining final trading decisions and discretionary management typically handled by affiliated or third-party managers.

Jeffrey Kluve is a CFP® professional affiliated with Commonwealth Financial Network in Phoenix, AZ, with 25 years of industry experience. His prior roles include positions at FireSky Financial Inc and Prudential Insurance Company of America. He is also the owner of JKFP LLC, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing roughly $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform that includes managed-account programs, access to third-party asset managers, and custody/clearing services.

Tovin Mcgovern is a CFP® with 14 years of industry experience, currently serving at Creative Planning since 2022. His prior experience includes roles at Hatton Consulting, Inc., and various positions at J.P. Morgan Securities and JP Morgan Chase Bank from 2009 to 2020. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning-led investment process focused on low-cost indexing and buy-and-hold strategies, supported by a large advisory team and integrated non-investment services such as estate law and trust companies.

Brody Carroll is an advisor at Schwab Wealth Advisory with a Series 66 designation and one year of industry experience. His prior work includes roles at Charles Schwab & Co., Inc., Acute Wealth Advisors, and two years spent in extended travel. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement and planning discussions, and investment recommendations. The firm delivers advice using Schwab’s standard asset allocation models and research tools, with clients making final trading decisions and accounts reviewed at least annually.

Randal Golden is a financial advisor at Corient in Phoenix, AZ, with 21 years of industry experience. He holds the Series 63 and Series 65 credentials and previously worked at Vivaldi Capital Management, LLC for 14 years. Outside of his advisory role, he performs occasional accounting work for a family-involved real estate joint venture. Corient provides investment advisory and financial planning services to a diverse client base including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that integrates individual security and fixed-income strategies with third-party manager solutions and customized asset allocation.

Steven Fox is a financial advisor with Schwab Wealth Advisory in Phoenix, AZ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Charles Schwab since 2000 and has served at Schwab Wealth Advisory since 2012. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, planning discussions, and investment recommendations supported by Schwab’s proprietary research and asset allocation models. The firm operates as an internal advisory unit within Charles Schwab, serving clients primarily through education and recommendations rather than discretionary management.

David York is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has worked with Charles Schwab and its affiliated firms since 2009. Outside of his advisory role, he is involved in property management in Phoenix, Arizona. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients within the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not exercise discretionary trading authority on client accounts.

Joshua Slagill is a CFP® professional at Schwab Wealth Advisory with four years of industry experience. He has held roles at Charles Schwab since 2021 and has prior work experience including positions at Auto Cure Detailing and IVI Risk. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm operates within the Schwab ecosystem, recommending investments without discretionary trading authority, and serves primarily individual clients through standardized allocation models.

Christel Covert is a CFP® professional with 37 years of industry experience, currently serving at Independent Financial Group, LLC since 2009. She is also the owner of Arizona Tax and Financial Advisors, PLLC, which provides tax preparation, accounting, and trust-related services. Additionally, she acts as trustee for several family trusts. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that offers a range of brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors, managing approximately $11.3 billion in assets. The firm provides advisory programs through its AccessPoint platform and third-party asset managers, serving a diverse client base including high-net-worth individuals and institutional clients.

Torrey Pine is a CFP® with three years of industry experience, currently affiliated with CWM, LLC. Prior to joining CWM, they worked at Carson Wealth and Integrated Wealth Management. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages portfolios using model portfolios overseen by an internal Investment Committee and offers a range of services including portfolio management, financial planning, and retirement-plan solutions.

Christopher Cassutt is a financial advisor with Primerica Advisors in Phoenix, AZ, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Guardian Life Insurance Company and Park Avenue Securities. He is also involved with Eagleston Financial Group, partnering to sell life and disability insurance through Guardian and other carriers. Park Avenue Securities LLC serves a wide retail client base including individual and high-net-worth investors, offering both brokerage and advisory services alongside financial and business consulting. The firm employs a variety of investment strategies through proprietary and third-party platforms and supports discretionary and non-discretionary account management.

David Ricci is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. He previously worked at The Vanguard Group and Fidelity Investments. Mercer Global Advisors provides investment advisory and planning services to individuals, families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a globally diversified investment approach based on Modern Portfolio Theory and offers a range of portfolio management and financial planning solutions.